State-by-State Minimum Car Insurance Requirements

Thursday, December 27, 2018

Driving a car is a privilege. One requirement of that privilege is that in most states you must carry car insurance. This coverage will help ensure you are financially protected should you cause an accident or be involved in an accident with someone who may not have insurance.

 

While it is always recommended to maintain full coverage on your vehicle – especially if you are leasing or financing your vehicle– that may not be an option for everyone. However, you must carry the state minimum insurance coverage for your state in order to legally drive your vehicle.

 

Below is a comprehensive list of the state minimum car insurance requirements for all fifty states and Washington D.C.

 

The One Exception

Almost all states have a minimum car insurance requirement. There is one exception to this rule. Arizona does not technically require a person to carry car insurance. However, every driver must show they have the financial ability to pay in the result of an accident. Therefore, drivers can either purchase a bond for $40,000 or they can carry the minimum coverage of $15,000 bodily injury liability per person, $30,000 bodily injury liability per accident, and $10,000 property damage liability per accident.

 

Alabama, Arkansas, Georgia, Indiana, Mississippi, Ohio, Oklahoma, Rhode Island

These states all share the same minimum requirements for car insurance. If you are a driver in these states, you must carry at least$25,000 bodily injury liability per person, $50,000 bodily injury liability per accident, and $25,000 property damage liability per accident

 

Alaska

Alaska has some of the higher minimums of the states. The minimums in Alaska for car insurance coverage are $50,000 bodily injury liability per person, $100,000 bodily injury liability per accident, and $25,000 property damage liability per accident.

 

California

Contrary to what may be popular belief, California has among the lowest minimums for car insurance coverage. California requires at least $15,000 bodily injury liability per person, $30,000 bodily injury liability per accident, and $5,000 property damage liability per accident.

 

Colorado, Idaho, Tennessee

Colorado, Idaho, and Tennessee each require the minimums of $25,000 bodily injury liability per person, $50,000 bodily injury liability per accident, and $15,000 property damage liability per accident.

 

Connecticut

Connecticut takes into account uninsured/under-insured motorists when discussing state minimum coverages. Therefore, in Connecticut, you are required to carry at least $25,000 bodily injury liability per person, $50,000 bodily injury liability per accident, $25,000 property damage liability per accident, $25,000 uninsured/under-insured motorist coverage per person and $50,000 uninsured/under-insured motorist coverage per accident.

 

Delaware, New Mexico, Washington

These three states, each require the following minimum coverages: $25,000 bodily injury liability per person, $50,000 bodily injury liability per accident, and $10,000 property damage liability per accident.

 

Florida

Florida requires very little insurance compared to other states. In Florida, a driver must carry at least $10,000 property damage liability per accident and $10,000 personal injury protection.

 

Hawaii

Hawaii considers the need for personal injury protection in an accident. Therefore, the minimum required coverage in Hawaii is $20,000 bodily injury liability per person, $40,000 bodily injury liability per accident, $10,000 property damage liability per accident, and $10,000 personal injury protection.

 

Illinois

Much like Connecticut, Illinois takes into account the issue of uninsured or under-insured motorist coverage. Illinois requires a minimum of $25,000 bodily injury liability per person, $50,000 bodily injury liability per accident, $20,000 property damage liability per accident, $25,000 uninsured motorist coverage per person and $50,000 uninsured motorist coverage per accident.

 

Iowa

Iowa requires minimums of $20,000 bodily injury liability per person, $40,000 bodily injury liability per accident, and $15,000 property damage liability per accident.

 

Kansas

Kansas considers both uninsured motorists and personal injury protection. The requirements are $25,000 bodily injury protection per person, $50,000 bodily injury protection per accident, $25,000 property damage liability per accident, $25,000 uninsured/underinsured motorist coverage per person, $50,000 uninsured/underinsured motorist coverage per accident. Personal injury protection, which must include, at the minimum, $4,500 medical expenses, $900 per month for disability or loss of income, $35 per day for in-home services, $2,000 for funeral burial or cremation costs, and $4,500 for rehabilitation.

 

Kentucky

Kentucky requires motorists carry at least $25,000 bodily injury liability per person, $50,000 bodily injury liability per accident, $25,000 property damage liability per accident, and $10,000 personal injury protection.

 

Louisiana

Louisiana requires motorists carry at least $15,000 bodily injury liability per person, $30,000 bodily injury liability per accident, and $25,000 property damage liability per accident.

 

Maine

Maine takes into account medical payments coverage as well. Therefore, Maine requires residents to carry a minimum of $50,000 bodily injury liability per person, $100,000 bodily injury liability per accident, $25,000 property damage liability coverage per accident, $50,000 uninsured motorist coverage per person, $100,000 uninsured motorist coverage per accident, and $2,000 medical payments coverage.

 

Maryland

Maryland requires drivers to carry at least $30,000 bodily injury liability per person, $60,000 bodily injury liability per accident, $15,000 property damage liability per accident, $30,000 uninsured/underinsured motorist coverage per person, $60,000 uninsured/under-insured motorist coverage per accident, and $15,000 uninsured/under-insured property damage coverage per accident.

 

Massachusetts

Massachusetts requires uninsured motorist and personal injury protection. The minimum requirements in Massachusetts are $20,000 bodily injury liability per person, $40,000 bodily injury liability per accident, $5,000 property damage liability per accident, $20,000 uninsured motorist coverage per person, $40,000 uninsured motorist coverage per accident, and $8,000 personal injury protection.

 

Michigan

Michigan requires unlimited personal injury protection and $1 million in property protection. Also, the standard protections of $20,000 bodily injury liability per person, $40,000 bodily injury liability per accident, and $10,000 property damage liability per accident.

 

Minnesota

Minnesota requires drivers to carry at least $30,000 bodily injury liability per person, $60,000 bodily injury liability per accident, $10,000 property damage liability per accident, $25,000 uninsured/under-insured motorist coverage per person, $50,000 uninsured/under-insured motorist coverage per accident, and $40,000 personal injury protection.

 

Missouri

Missouri requires drivers to carry at least $25,000 bodily injury liability per person, $50,000 bodily injury liability per accident, $10,000 property damage liability per accident, $25,000 uninsured/under-insured motorist coverage per person, $50,000 uninsured/under-insured motorist coverage per accident.

 

Montana, Nevada, Wyoming

Montana, Nevada, and Wyoming all require drivers to carry at least $25,000 bodily injury liability per person, $50,000 bodily injury liability per accident, $20,000 property damage liability per accident.

 

Nebraska and South Dakota

Nebraska and South Dakota require drivers to carry at least $25,000 bodily injury liability per person, $50,000 bodily injury liability per accident, $25,000 property damage liability per accident, $25,000 uninsured/under-insured motorist coverage per person, $50,000 uninsured/under-insured motorist coverage per accident.

 

New Hampshire (The Other Exception)

Car insurance in New Hampshire is optional. However, if a person chooses to purchase car insurance in New Hampshire, the minimum requirements are $25,000 bodily injury liability per person, $50,000 bodily injury liability per accident, $25,000 property damage liability per accident, $25,000 uninsured/under-insured motorist coverage per person, $50,000 uninsured/under-insured motorist coverage per accident, $25,000 uninsured/under-insured motorist property damage coverage and $1,000 medical payments coverage.

 

New Jersey

New Jersey requires either a basic or standard policy for drivers. The basic policy requires drivers to carry a minimum of $10,000 total limit for bodily injury per accident, $5,000 property damage liability per accident, and $15,000 personal injury protections. The standard policy requires a minimum of $15,000 bodily injury liability per person, $30,000 bodily injury liability per accident, $5,000 property damage liability per accident, and $15,000 personal injury protection.

 

New York

New York requires drivers to carry at least $25,000 bodily injury liability per person, $60,000 bodily injury liability per accident, $50,000 liabilityfor death per person, $100,000 liabilityfor death per accident, $10,000 property damage liability, and $50,000 personal injury protection.

 

North Carolina

North Carolina requires drivers to carry at least $30,000 bodily injury liability per person, $60,000 bodily injury liability per accident, $25,000 property damage liability per accident, $30,000 uninsured motorist coverage per person, $60,000 uninsured motorist coverage per accident, and $25,000 uninsured motorist property damage coverage per accident.

 

North Dakota

North Dakota requires drivers to carry at least $25,000 bodily injury liability per person, $50,000 bodily injury liability per accident, $25,000 property damage liability per accident, $25,000 uninsured/under-insured motorist coverage per person, $50,000 uninsured/under-insured motorist coverage per accident, and $30,000 personal injury protection.

 

Oregon

Oregon requires drivers to carry at least $25,000 bodily injury liability per person, $50,000 bodily injury liability per accident, $20,000 property damage liability per accident, $25,000 uninsured motorist coverage per person, $50,000 uninsured motorist coverage per accident, and $15,000 personal injury protection.

 

Pennsylvania

Pennsylvania requires drivers to carry at least $15,000 bodily injury liability per person, $30,000 bodily injury liability per accident, $5,000 property damage liability per accident, and $5,000 medical benefits.

 

South Carolina and West Virginia

South Carolina and West Virginia require drivers to carry at least $25,000 bodily injury liability per person, $50,000 bodily injury liability per accident, $25,000 property damage liability per accident, $25,000 uninsured motorist coverage per person, $50,000 uninsured motorist coverage per accident, and $25,000 uninsured motorist property damage coverage per accident.

 

Texas

Texas requires drivers to carry at least $30,000 bodily injury liability per person, $60,000 bodily injury liability per accident, and $25,000 property damage liability per accident.

 

Utah

Utah requires drivers to carry at least $25,000 bodily injury liability per person, $65,000 bodily injury liability per accident, $15,000 property damage liability per accident, and $3,000 personal injury protection.

 

Vermont

Vermont requires drivers to carry at least $25,000 bodily injury liability per person, $50,000 bodily injury liability per accident, $10,000 property damage liability per accident, $50,000 uninsured motorist coverage per person, $100,000 uninsured motorist coverage per accident, and $10,000 uninsured motorist property damage coverage per accident.

 

Virginia

Virginia requires drivers to carry at least $25,000 bodily injury liability per person, $50,000 bodily injury liability per accident, $20,000 property damage liability per accident, $25,000 uninsured motorist coverage per person, $50,000 uninsured motorist coverage per accident, and $20,000 uninsured motorist property damage coverage per accident.

 

Washington, D.C.

Washington, D.C. requires drivers to carry at least $25,000 bodily injury liability per person, $50,000 bodily injury liability per accident, $10,000 property damage liability per accident, $25,000 uninsured motorist coverage per person, $50,000 uninsured motorist coverage per accident, and $5,000 uninsured motorist property damage coverage per accident.

 

Wisconsin

Wisconsin requires drivers to carry at least $25,000 bodily injury liability per person, $50,000 bodily injury liability per accident, $10,000 property damage liability per accident, $25,000 uninsured motorist coverage per person, and $50,000 uninsured motorist coverage per accident.

 

To learn more about your state’s minimum car insurance requirements, contact the professionals with ProtetiveAgency.com at (877) 739-9367. Our licensed insurance experts will be happy to answer any questions you have.